Part 2 of 5: The Health Insurance Challenge
Yesterday we added $1.82/hour for legally required costs. Today: the single BIGGEST benefit expense.
🏥 Health Insurance: The Cost You Can’t Ignore
According to the Kaiser Family Foundation’s 2025 survey and BLS data, employers face significant health insurance costs. Blending single coverage ($6,500-$7,500) and family coverage ($20,143) across a typical workforce with mixed enrollment:
Average employer cost: $10,000 per employee annually
Per hour cost: $4.81/hour
Health insurance premiums increased 26% from 2020 to 2025 – far outpacing inflation (2.7%) and wage growth (4%). This isn’t slowing down.
Your Running Total:
- Base pay: $21.00/hour
- Day 1 (payroll taxes & workers’ comp): +$1.82/hour
- Day 2 (health insurance): +$4.81/hour
- Current total: $27.63/hour
We’re already 32% above base pay, and we haven’t covered recruitment or administrative costs yet.
The InnoSource Advantage
Health insurance administration is complex and expensive. InnoSource manages all benefits enrollment, compliance, and costs – delivering complete coverage as part of our total solution at a rate below 50% above pay rate.
Contact us at [email protected] to eliminate health insurance administration headaches.
➡️ Tomorrow: The Recruitment Cost You Pay Again and Again 🔁